Mortgage Lenders and Brokers in Watertown, Connecticut
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Watertown, Connecticut mortgage lenders include Thomaston Savings BankThomaston Savings Bank565 Main St, Watertown, CT 06795A+5.0 ★Texas Ratio: 5.17%, Ion BankIon Bank544 Straits Tpke, Watertown, CT 06795A5.0 ★Texas Ratio: 10.40%, Northwest Community BankNorthwest Community Bank51 Straits Tpke, Watertown, CT 06795A4.9 ★Texas Ratio: 7.16%, TD BankTD Bank1247 Main St, Watertown, CT 06795A+5.0 ★Texas Ratio: 3.71%, Newtown Savings BankNewtown Savings Bank211 Greenwood Ave, Bethel, CT 06801A+5.0 ★Texas Ratio: 3.03%, Torrington Savings BankTorrington Savings Bank888 Farmington Ave, Bristol, CT 06010A+5.0 ★Texas Ratio: 0.61%, Liberty BankLiberty Bank27 Dale Rd, Avon, CT 06001A+5.0 ★Texas Ratio: 1.90%, Union Savings BankUnion Savings Bank24 Grassy Plain St, Bethel, CT 06801A+5.0 ★Texas Ratio: 2.11%, FD Community FCUFD Community FCU48 Woodruff Ave, Watertown, CT 06795A+5.0 ★Texas Ratio: 4.89%, and M&T BankM&T Bank757 Straits Tpke, Watertown, CT 06795A+5.0 ★Texas Ratio: 4.11%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Watertown, Connecticut in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Watertown are listed first, then lenders elsewhere in Connecticut, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Watertown, Connecticut
Market share is the lender's share of all home loans closed in Watertown, Connecticut. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Watertown 565 Main St, Watertown, CT 06795 A+5.0 ★Texas Ratio: 5.17% |
Conventional, HELOC | 6 +6 HELOCs |
7.2% | 85.7% | $180,000 | View |
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1 office in Watertown 544 Straits Tpke, Watertown, CT 06795 A5.0 ★Texas Ratio: 10.40% |
Conventional | 3 | 3.6% | 100% | $205,000 | View |
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1 office in Watertown 51 Straits Tpke, Watertown, CT 06795 A4.9 ★Texas Ratio: 7.16% |
Conventional | 1 | 1.2% | 100% | $165,000 | View |
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1 office in Watertown 1247 Main St, Watertown, CT 06795 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 1 | 1.2% | 33.3% | $215,000 | View |
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211 Greenwood Ave, Bethel, CT 06801 A+5.0 ★Texas Ratio: 3.03% |
Conventional, HELOC | 2 +1 HELOCs |
2.4% | 100% | $330,000 | View |
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888 Farmington Ave, Bristol, CT 06010 A+5.0 ★Texas Ratio: 0.61% |
Conventional | 2 | 2.4% | 100% | $340,000 | View |
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★ 5 stars, 2 reviews 27 Dale Rd, Avon, CT 06001 A+5.0 ★Texas Ratio: 1.90% |
Conventional, HELOC | 1 +4 HELOCs |
1.2% | 100% | $465,000 | View |
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24 Grassy Plain St, Bethel, CT 06801 A+5.0 ★Texas Ratio: 2.11% |
Conventional, HELOC | 1 +1 HELOCs |
1.2% | 100% | $155,000 | View |
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48 Woodruff Ave, Watertown, CT 06795 A+5.0 ★Texas Ratio: 4.89% |
Conventional | 1 | 1.2% | 50% | $255,000 | View |
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757 Straits Tpke, Watertown, CT 06795 A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 1.2% | 100% | $355,000 | View |
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1201 South Ave, Bridgeport, CT 06604 5246 A+5.0 ★Texas Ratio: 1.38% |
Conventional | 1 | 1.2% | 100% | $365,000 | View |
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620 W Main St, Branford, CT 06405 3420 A+5.0 ★Texas Ratio: 4.74% |
Conventional | 1 | 1.2% | 50% | $35,000 | View |
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712 Main St, Watertown, CT 06795 A+5.0 ★Texas Ratio: 4.34% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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382 Main St, Ansonia, CT 06401 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Total Mortgage Services, LLC
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Conventional, FHA, VA | 8 | 9.6% | 44.4% | $195,000 | |
Waterbury Ct Teachers FCU
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Conventional | 2 | 2.4% | 66.7% | $40,000 | |
First World Mortgage Corporaton
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Conventional | 1 | 1.2% | 50% | $175,000 | |
Rocket Mortgage
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Conventional, FHA | 9 | 10.8% | 75% | $300,555 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 5 | 6% | 100% | $375,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA, Jumbo | 5 | 6% | 100% | $427,000 | |
loanDepot.com LLC
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Conventional, HELOC | 4 +1 HELOCs |
4.8% | 80% | $87,500 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 2.4% | 100% | $335,000 | |
Freedom Mortgage Corporation
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FHA | 2 | 2.4% | 100% | $215,000 | |
The Loan Store, Inc
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Conventional | 2 | 2.4% | 100% | $300,000 | |
Hartford Funding, Ltd.
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Conventional | 1 | 1.2% | 100% | $185,000 | |
United Wholesale Mortgage
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FHA | 1 | 1.2% | 50% | $265,000 | |
Cliffco, Inc.
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Conventional | 1 | 1.2% | 100% | $315,000 | |
Gold Star Mortgage Financial Group, Corporation
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FHA | 1 | 1.2% | 100% | $535,000 | |
Newrez LLC
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Conventional | 1 | 1.2% | 100% | $185,000 | |
Nbkc Bank
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VA | 1 | 1.2% | 100% | $445,000 | |
Guidance Residential, LLC
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Conventional | 1 | 1.2% | 100% | $305,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 1.2% | 100% | $455,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 1.2% | 100% | $365,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1.2% | 100% | $65,000 | |
Cmg Mortgage Inc
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FHA | 1 | 1.2% | 100% | $425,000 | |
HomeBridge Financial Services, Inc
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Conventional | 1 | 1.2% | 100% | $315,000 | |
Leader Bank NA
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Conventional | 1 | 1.2% | 100% | $315,000 | |
Provident Funding Associates
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Conventional | 1 | 1.2% | 100% | $325,000 | |
T2 Financial LLC
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Conventional | 1 | 1.2% | 100% | $295,000 | |
Mortgage Equity Partners LLC
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Conventional | 1 | 1.2% | 100% | $305,000 | |
Hometown Equity Mortgage, LLC
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Conventional | 1 | 1.2% | 100% | $255,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.2% | 100% | $65,000 | |
Better Mortgage Corporation
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Conventional | 1 | 1.2% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 5.14% |
Conventional | 1 | 1.2% | 100% | $565,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 1.2% | 100% | $55,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1.2% | 100% | $55,000 | View |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Watertown Mortgage Rate Trends
Daily average mortgage rates for Connecticut compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Watertown, Connecticut
Looking for mortgage lenders near me or mortgage brokers near me in Watertown? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Watertown in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Watertown, CT
Use these to narrow the list above. Each category shows how many Watertown, CT lenders fit and what that kind of lender is usually best for.
Who Lends in Watertown, CT
Independent mortgage companies closed 67.5 percent of home loans in Watertown, Connecticut in 2025, banks 25.3 percent and credit unions 7.2 percent. Total Mortgage Services, LLC was the largest mortgage company, Thomaston Savings Bank the largest bank and FD Community FCU the largest credit union. Among lenders headquartered in Connecticut, Thomaston Savings Bank led with 6 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
An attorney must handle the closing in Connecticut. State conveyance tax of 0.75 percent up to $800,000, 1.25 percent on the portion from $800,000 to $2.5 million and 2.25 percent above that, plus a municipal tax of 0.25 percent (up to 0.5 percent in some towns); no mortgage recording tax.
More Connecticut Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Watertown, CT
By home loans closed in 2025, Thomaston Savings Bank was the largest mortgage lender in Watertown, Connecticut with 6 loans, about 7.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in Watertown, Connecticut in 2025, led by Rocket Mortgage with 2. 2 lenders closed VA loans, led by Total Mortgage Services, LLC. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 15 banks and 6 credit unions closed home loans in Watertown, Connecticut in 2025, alongside 28 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Watertown, Connecticut during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Watertown, Connecticut for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Watertown. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
